Cash advance apps can be a convenient way to access funds before your next payday, but monthly membership fees can quickly eat into your budget. In some cases, the cost might even outweigh the benefit of getting an advance at all. The good news is that some providers have little to no fees as long as you’re willing to wait up to three days for standard delivery.
Cash advance apps are relatively new in Canada, and so far, we've found that Nyble is the only app that offers 0% interest and zero required monthly fees if you select standard delivery. If you opt for instant funding, an $11.99 monthly fee applies.
Easy application process
No credit checks
No interest
Can improve your credit score
Roll over your loan
Loan amount may not be enough for your needs
$11.99 for fast transfers and other premium perks
Costs
0%
Loan Amount
$30 – $250
Loan Term
31 days, extendable
Credit Check
No
Turnaround Time
1-30 minutes with a paid membership or 1-3 business days with a free membership.
Requirements
You must be 18 years or older and have a minimum monthly income of $1,000.
Like Nyble, Bree charges no interest and mandatory fees if you opt for standard delivery, which takes about three business days. It has the option to pay a $2.99 monthly subscription fee, where you can access features like instant funding. Bree offers a 30-day free trial for first-time customers that are interested in instant funding.
Easy application process
No credit checks
0% interest and no late fees
$2.99 optional monthly subscription fee for features like fast transfers
Won't improve your credit score, unlike Nyble
Costs
0%
Loan Amount
$20 – $500
Loan Term
Next pay cycle (90 days max)
Credit Check
No
Turnaround Time
Receive funds within 5 minutes with express delivery (the fee is based on the advance amount) and within 1 to 3 business days for standard delivery.
Requirements
You must have a bank account with regular income deposits and a Visa or Mastercard debit card with a CVV
KOHO has a required monthly membership fee that starts as low as $2. Your fee depends on individual factors, such as your approved credit limit. The cost for instant funding is baked into KOHO's membership fee, so there are no additional charges if you want to receive funding within minutes.
No late fees
Zero interest
No impact to credit score
Free financial coaching available
KOHO account required
Costs
0% + monthly fee from $2
Loan Amount
$20 – $250
Loan Term
Flexible
Credit Check
No
Turnaround Time
Immediately
Requirements
KOHO account—access higher loan amounts over time by using KOHO for everyday spending, repaying your monthly fees and using its other services
Serviced Provinces
All provinces and territories
Apple App Store Rating
4.8
Google Play Rating
4.3
What’s the best free cash advance app?
Bree and Nyble are the strongest options because both of them have completely free options by selecting standard delivery. KOHO is the weakest option because although its membership starts at $2, which is low, your actual fee may be higher depending on individual factors.
How much do cash advance apps cost?
Compare the fee structures of these cash advance apps side by side to decide which one is best for you.
Cash advance app
Membership fee
Standard delivery fee
Instant transfer fee
Optional tips
Bree
$2.99 optional monthly membership fee for express funding
Included in the membership fee
The highest advance amounts can have instant funding fees of over $20
Yes
Nyble
$11.99/month for a premium membership
None
Included in the monthly membership fee
No
KOHO
Starts at $2 per month and varies based on individual factors, such as your approved limit
N/A, all transfers are instant
Included in the monthly membership fee
No
Are there free cash advance apps with no credit check?
Yes. Nyble offers free cash advances with no credit check, and Bree and KOHO also do not do credit checks. Cash advance apps generally do not use traditional underwriting methods, such as analyzing credit scores, to evaluate applications. Instead, they focus on bank account activity and income predictability.
Can you get a free cash advance app online?
Yes. Nyble, Bree and KOHO all have highly rated Android and iOS apps. If you prefer not to download any apps, they also have online applications on their websites.
Alternatives to cash advance apps
If a cash advance isn’t the right move for you, check out these alternatives.
Personal loan. If you’re looking for a larger loan amount, you may want to consider a personal loan instead, but you may need a good credit score to qualify.
Your own bank or credit union. Your local bank or credit union may offer small, short-term loans to customers in good standing. For example, Vancity offers the Fair and Fast Loan in BC, while Affinity offers the Restart Loan in Saskatchewan.
Buy now, pay later (BNPL) loans. While not a solution for an immediate cash need, BNPL loans can allow you to make a larger purchase—usually interest-free—that you can pay back in installments.
Payday loans. These are not recommended, but payday loans are another alternative since they’re designed for emergency funding, like cash advance apps. But watch out for very high borrowing costs. Learn how payday loans compare to cash advance apps.
If you only need a cash advance occasionally, paying a monthly membership fee can feel like an unnecessary expense. To save money, consider using a cash advance app that doesn’t charge a monthly fee or offers a free trial. Apps like Nyble and Bree (with standard delivery) let you access small cash advances with little to no cost, making them a smarter choice if you’re trying to avoid high fees.
Frequently asked questions
You can avoid cash advance fees by applying to Nyble and opting for standard delivery or by applying to Bree as a first-time customer and doing the 30-day trial.
There aren't any cash advance apps in Canada that offer instant cash advances for free. If you need instant funding, expect to pay a fee for the convenience.
No. Credit card cash advances are high-interest transactions. Interest starts accruing immediately after the withdrawal, and an additional fee usually applies.
Leanne Escobal is a publisher at Finder with more than 12 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC®) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University.
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Cash advance service Bree allows you to borrow up to $500 with no interest and no late fees.
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